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debrag15

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Everything posted by debrag15

  1. debrag15
    Harlands/CRS/Trugym claim I owe £86 from a gym membership from around 2013. The account was with Zinc from 2014 to 2016 and now back with Harlands/CRS. On 30th August I received a letter (via email) of possible 'legal action' or 'outsourced to external agents'. What is my next move? I am not about to phone then and CRS don't have a website as they are Harlands. I go away on holiday on 19th September and don't want any nasty letters on my return. I hear that no gym has ever taken anyone to court so what can they really do to me for £86!
  2. debrag15
    QQ have my address, I have only been getting emails not letters through the post. MMF could give me a CCJ in it's last 5 months on my report : Surely I need the 'claim before court' letter or whatever it's called before they can do anything.
  3. debrag15
    I'm not quiet sure why you think I am trying to hide. As I said I don't remember the last time I paid them anything. Ignore the following: That was for something else. I'd forgotten about the whole stuff in 2016 about the accounts falling off my report. Both are back but only one is defaulted. It appears it may have been written off then put back on, who knows. I am more than likely going to try and offer a F&F on the £489 anyways
  4. debrag15
    Letting agents are not financial institutions so therefore only see public information they can not see your account history. Getting a mortgage on the other hand is almost impossible. So I've made my first DMP payment. Very have passed it to their in house DCA but still sent me my monthly statement JD Williams are just reminding me I've overdue for a payment Natwest nothing so far they have only added my monthly interest.
  5. debrag15
    I have had a qq loan in the past (2012). I disputed it and since then I've had the '60 day over payment' email going back at least as far as 2015. The default is dates May 2012 so due to fall of my report May 2018. Today I have received via email a 'notice of assignment' from Motormile Finance. Should I ignore it, remind them that the account is in dispute or send them the prove it letter? I'm getting confused now. 27/01/2013 Last email sent saying I was in dispute over the balances and the debt being assigned/sold to ARC. ARC couldn't give me a breakdown referring back to QQ, QQ claiming they didn't hold my account anymore! 21/08/2015 Email sent requesting a breakdown as I disputed the balance amounts. 12/09/2015 Last email sent/received over the balance dispute 24/11/2015 Notice of Payment 60 Days Overdue emails start arriving almost weekly til Dec 2017 21/12/2017 Notice of sale email 04/01/2018 Notice of assignment email from Motormile It drops of my credit file in 5 months but when would/should it be statue barred? I think I shall get a 'prove it' letter as well as a CCA request letter in the post ASAP If Motormile do own the debt then should the closed defaulted QQ record on my credit file be changed to Motormile but the default date stay the same? 29/01/2017 QQ claim my balance is £494 05/01/2018 ARC claim my balance is £589 (appears to still be active) 04/01/2018 Motormile claim my balance is £489 This has been going on for years not sure what the balance should be.
  6. debrag15
    I may just do that
  7. debrag15
    Everything is with the orignal creditors, I am only now trying to set up a DMP. Is there no advise on how to deal with Natwest other than ask for a CCA?
  8. debrag15
    Everything was applied for online in the last few years, is it worth it/would they be enforceable due to those facts?
  9. debrag15
    So Natwest are deciding to be difficult. The details Payplan gave them aren't the same as they have for me (not true) so won't give Payplan up to date balances etc, they want to me to go into a branch to sort it out - no chance! Think I am just going to write them a letter, the reason I'm using Payplan is so I don't have to deal with my creditors and all the stress/pressure etc
  10. debrag15
    I've not had issues with them in the past. Not that that actually answers my question but thank you.
  11. debrag15
    I'm starting up a DMP through Payplan and natwest is one of my creditors. I have given payplan all the correct details in terms of account numbers,addresses etc but natwest are saying that the information payplan have given them is incorrect so they can’t provide a balance on the account, the details they hold are different. They have asked if I call into a branch. I don't really want to do this as I don't see the need to, other than to confirm to them that I am now dealing with payplan. Will they want me to have a sit down with them? That is not going to happen.
  12. debrag15
    So I've started the ball rolling: 1) Emailed my credit union to see if they can refinance my loan to half from £120 to £60 a month, I have just over £1k left to pay off. 2) Cancelled my Natwest Loan DD and plan to pay them £50 this month. 3) Worked out budget til March 2018 when my credit cards will be paid off. 4) Contacted Payplan to start a DMP. What I still need to do: 1) Contact creditors to let them know I am entering a DMP.
  13. debrag15
    Defaults don't show up on a rental check as they are public information like bankruptcy, ccj, dro etc
  14. debrag15
    Having to move and needing a guarantor.
  15. debrag15
    I don't start uni till Feb 2018 so don't have my loan yet. I convert to a student account so I wouldn't be charge for my overdraft.nothing goes in or out of it at present. I am trying to find out what my best option would be come Feb. I'm looking at just defaulting but would like to know if any would go for a ccj even though I rent.
  16. debrag15
    I have 3 other account and don't use natwest anyways.
  17. debrag15
    I have just converted my natwest current account to a student account so my uni loan will go in there. If I default on their loan I'll need to move this money somewhere else
  18. debrag15
    I'm off to uni in Feb 2018 to study nursing and I'll be there for 45 weeks of the year. My plan was to stay at work for 23 hrs (2 shifts) a week but that isn't looking possible if I need to be in uni 4-5 days a week. I can't survive on just the loan alone so I do need to work, therefore I will stay on the bank and work as much as I can. I have 6 low balance / credit high Apr credit cards that I'm hoping to clear before I start. My issue is with my loans / overdraft. I have: Natwest loan @ 4500 (189 per month) Natwest overdraft @1250 (a student account so no fees) Credit union loan @ 1250 (120 per month) JD Williams @1600 (55 a month but should be more) I'm thinking my only option is to default but scared of ccjs. Anyone go advice or experience with these companies?
  19. debrag15
    There are all with the original creditors, I haven't missed payments yet
  20. debrag15
    I'm finally starting to get my credit file looking better but I now feel I may need to start a DMP. I can probably just about pay bills + debts but I'm struggling and in Feb I *may* be going to uni so my income will reduce to about half. I pay the household bills through my bank account and my OH pays me his share. How would I work that into a DMP? Would I ignore his money and budget only my half of everything etc? My debts are: Natwest loan - £5000 Credit Union loan - £1550 (paid through wage so isn't an issue yet) Avant loan - £1900
  21. debrag15
    UPDATE: I just checked my noddle report and I no longer have my 2 defaulted QQ accounts on there, not in the open or closed section. I only have the 3 close none defaulted accounts that fall off Jan 2018. Does this mean they have sold it to someone or that I no longer own them anything? I am still getting the auto 'pay in 60 days' emails which I just ignore. Have I had my loan written off (just read the guardian article), I've had no email about this and they don't have my current bank details or address. Too scare to inform them
  22. debrag15
    I did decide to only pay £5 a month to ARC. The first payment went through then I got an email to say they no longer hold the account and it's back with QQ. Went to pay QQ this month and the £5 has been returned from 'qq/p2p'. Spoke to them via live chat and got told ARC still hold it, tried ARC and they don't recognise the ref number anymore. I have emailed QQ to tell them all this. I think I shall continue to pay them £1 a month & if it gets returned no-one can say I didn't try to pay. I keep getting them 'if you don't pay...' emails. The wording never changes. You'd think they'd have taken me to court by now! It falls off my account July 2018 so not too much longer. Will wait and see what their next move is.
  23. debrag15
    my account has gone back to QQ, when I log into QQ I have no current loan and no loan history. Should I contact them to inquire as they have sent me a breakdown previously or just say nothing and wait for the post? I've since moved addresses so it could be a while, if ever. I had intended to pay them £5 a month but that's their loss. My default is dated 16/07/2012 and should come off my file August 2018, in under 3 years.
  24. debrag15
    I got a breakdown of the main loan via post last week. They are not mentioning the 'rollover' loan and claim only £90 has been received leaving my balance as £499. Main loan = £659.50 Payments = £160 (ARC) + £170 (direct) Balance = £329.50 They have applied £159.50 to the 'rollover' loan which I dispute stating I still owe £499. I have a mind to just start paying them £5 till it falls off my credit report in a few years.
  25. debrag15
    they haven't refused to send me a breakdown. I already have what I posted above from them and today I got information about the 'main' loan. From what it sound they care charging me twice for the rollover fee.

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